if we are 36% shy of our investment goals, wouldn't it be prudent to simply wait 6 years with no risk and reach our goals, rather than pi$$ing money away in things that bring risk but not much return?The flip side is that you miss out on the chance of the stock market potentially bouncing that 36% in one year instead of six, getting you to retirement five years sooner. This might be unlikely for a variety of macroeconomic reasons, but is never impossible.I can attest to the part where you don't need a budget. If you (and spouse) still consistently spend less than you earn even without one, you'll continue to come out ahead. It's like how a naturally skinny person doesn't need to diet.- Erik
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